It is essential that the real estate professional passes all these details.The client, so that they can plan and not be caught by surprise during the financing process and other transactions. How does the Housing Financial System work. These expenses can A person passing a key from one property to another The SFH has some stages. According to Caixa Econômica Federal . Which is the main intermediary of this procedure, the citizen who wishes to finance via the Housing. Financial System will go through the following stages: Financing simulation. Assessment and approval of credit registration; Valuation of the property ; Delivery of documents and signing of the contract; Payment of installments.
It is worth mentioning that those involved must read
The real estate contract carefully before and after signing and the financing holder must pay the installments correctly, to avoid increasing interest. To access the subsidy, the customer needs to: Be Brazilian, naturalized or have a permanent visa. No restrictions on Japan Telegram Number Data your name at Serasa, SPC, BACEN and the Federal Revenue Service. Prove that you have sufficient income to pay the financing installments. Be over 18 years old or be emancipated after age 16. The property being financed cannot be used for any purpose other than housing the owner of the financing. Its objective is to give low-income people the opportunity to buy their own home.
But to use the Fund, there are some prerequisites
Have worked at least three years under the CLT/FGTS regime (sum of periods worked, consecutive or not, in one or more companies). Do not have active financing in your name at SFH. Do not own urban residential property, completed or under Russia Telegram Number List construction. Read more: Find out how to use FGTS to purchase properties . Which properties can be financed. As there are rules for who can access financing, there are also guidelines regarding the property that can be financed: Being urban residential (being located in urban areas); Be registered with the Property Registry Office. Not have been negotiated using the FGTS in the last three years (acquisition or construction).
